Accounts Receivable Financing - Exporting to Africa

Several agencies of the US government supportThey will help settle disputes and negotiate tariff
departments that have mandates to help youissues. Once described as "glorified matchmakers"
increase your export sales and minimize risks withthey will go as far as possible to help you export
regard to the sales of products and services tosafely to Africa- even to the US Ambassador to
Africa. These departments exist within USfacilitate these objectives, if appropriate.
agencies such as the Export-Import Bank of theAnd they help with the nuts and bolts of
United States, the Department of Commerce,exporting to Africa such as setting up meetings
and the Overseas Private Investmentfor you with up to 5 prospective buyers per day,
Corporation. All are supported by a relativelyselecting drivers, translators and hotels. When you
recent law called: The African Growth andgo to Africa to sell your goods or services you
Opportunity Act. The African Growth andwill not be making a cold call; you will be meeting
Opportunity Act (AGOA) was signed into law bywith pre-qualified people when you participate in
President Bush on May 18, 2000 as Title 1 of Thethis program- all at a nominal cost to cover the
Trade and Development Act of 2000. The Actagency's expenses.
offers tangible incentives for African countries toIt is necessary for you to actually travel to Africa
continue their efforts to open their economies andand meet face to face to successfully export to
build free markets.Africa. This is a cultural necessity. African
The African Growth and Opportunity Act (AGOA)businesses do not operate like American
has been modified three times to increasebusinesses where we trust negotiations conducted
exports to Africa.over the telephone and internet, and often
In the first modification, AGOA was changed in totransact without ever meeting the buyer or seller.
substantially expand preferential access forWhat exports are needed in Africa? You can read
imports from beneficiary Sub-Sarahan Africanthe research reports to find out specifically what
countries in several ways: 1) The term "fabric"is in demand. At the top of the list you will see
was previously interpreted by U.S. Customs asproducts that purify water. Africa has a huge
excluding components that are "knit-to-shape" (i.e.water infrastructure need. There is also a great
components that take their shape in the knittinginterest in security related devices such as high
process, rather than being cut from a bolt oftech devices to prevent theft of vehicles and
cloth); now knit-to-shape apparel will qualify forincrease recovery of stolen vehicles. Textile
AGOA benefits. 2) The definition of hybrid cuttingmanufacturing equipment and telecommunications
was broadened to include cutting of fabric in theequipment also head the lists. Certain medical
U.S. and/or AGOA countries. 3) The volume capdevices are also in demand.
on duty-free treatment for apparel made fromWhat are some of the challenges regarding
fabric made in AGOA regions or, for lessercreating or increasing your export sales to Africa?
developed beneficiary countries from fabric madeIt is difficult to qualify buyers; there are limited
anywhere was doubled. 4) Botswana and Nambiacredit reporting facilities in Africa; African
were specially designated as less developedcompanies' auditing and accounting systems are
countries.not "world class". And it is difficult to ascertain
In the second modification, AGOA's periods forwho will actually pay as promised in you
preferential treatment for African imports to thenegotiations. To minimize these risks it is prudent
US were expanded.to work with the Export-Import Bank and their
In the third modification, known as AGOA "1V"correspondent banks and insurance brokers for
was expanded and liberalized again. In essence, USinternational trade transactions to Africa.
laws were created to increase US exports toThere are specific Export-Import Bank standards
Africa and imports from Africa to the US.for short-term and medium term credit; these
Pursuant to AGOA the US organized amay be located on their website at exim.gov.
U.S.-Sub-Saharan Africa Trade and EconomicFinancing guarantees and insurance are available
Forum hosted by the Secretaries of State,for short term financing in 44 Sub-Sarahan
Commerce, Treasury, and the U.S. TradeAfrican countries. They facilitate more competitive
Representative. The Forum serves as the vehicleterms for African buyers. After the US
for regular dialogue between the United Statescorrespondent bank has reviewed and approved
and African countries on issues of economics,you for financing, you can use these guarantees
trade, and investment. This fosters a uniqueand insurance to minimize your accounts
cooperation between US agencies, Africanreceivable financing risk when extending credit to
countries, and US businesses that desire toAfrican buyers. This applies to transactions
increase export sales to Africa with minimal risk.wherein you have successfully delivered your
How does this work? It involves the Exportproducts or services to African purchasers.
Assistance Centers of the US Department ofUnfortunately, there presently is no way to insure
Commerce to assist you with your marketing andagainst contract frustration, also known as
sales efforts to Africa and financial support fromtransactional risk. In other words, you take the
the Export-Import Bank of the United States torisk of default if a prospective African buyer
Banks that participate in and finance the exportcancels the transaction before it is completed. You
of goods and services to Africa in a variety ofare at risk regarding disputes such as delivery or
programs.product specifications until they are resolved. And
The Export Assistance Centers are part of theyou cannot avoid devaluation of currency as a
U.S. Commercial Services which is the tradepolitical risk either.
promotion of the International TradeOn the other hand, commercial risks such as
Administration (a part of the US Department ofinsolvency, bankruptcy and protracted default are
Commerce). Their mission is to provide 1) marketcovered risks utilizing these programs; also
research in the form of country specificcovered are political risks such as war, revolution
commercial guides; 2) industry sector analysis; andand insurrection.
3) internal market insight reports. They provideThe bottom line: you can use accounts receivable
trade counsel and advocacy through every stepfinancing to export to Africa to increase your
of the export process. They sponsor tradesales, minimize risks, and increase your working
events that promote your product or services tocapital when you work with the appropriate US
qualified African buyers. They provideagencies, their correspondent banks and insurance
introductions to qualified buyers and distributors.brokers.